STUDY OF PRODUCTIVITY

&
PROFITABILITY OF A SELECTED BANK IN PUNJAB

Research Project Report

Submitted to the Punjab Agricultural University

in partial fulfillment of the requirements
for the degree of

MASTER OF BUSINESS ADMINISTRATION

in
FINANCIAL MANAGEMENT
(Minor Subject: Economics)

By

PRAGYA JAIN
(L-2013-BS-34-MBA)

School of Business Studies

College of Basic Sciences and Humanities
PUNJAB AGRICULTURAL UNIVERSITY

LUDHIANA-141004

2015

CERTIFICATE-1

This is to certify that the research entitled, STUDY OF PRODUCTIVITY & PROFITABILITY OF A
SELECTED BANK IN PUNJAB submitted in partial fulfillment of the requirement for the degree of
Master of Business Administration (Minor Subject: Economic) of the Punjab Agriculture University,
Ludhiana is a bonafide research work carried out by PRAGYA JAIN (L-2013-BS-34-MBA), under my
supervision and that no part of this research project has been submitted for any other degree .
The assistance and help received during the course of this investigation have been fully acknowledged.

(Dr. Y.P. Sachdeva)

Major Advisor
Professor
School of Business Studies
Punjab Agricultural University
Ludhiana - 141004

CERTIFICATE-II
This is to certify that the research entitled, STUDY OF PRODUCTIVITY & PROFITABILITY OF A
SELECTED BANK IN PUNJAB submitted by Pragya Jain (L-2013-BS-34-MBA) to the Punjab
Agriculture University, Ludhiana in partial fulfillment of the requirements of the degree of Master of
Business Administration in the subject of Business Management (Minor Field: Economic) has been
approved by the external examiner along with the internal examiner.

Internal Examiner

Dr. Sandeep Kapur

Director, School of Business Studies

External Examiner

ACKNOWLEDGEMENT
It would not have been possible for me to carry out my work without the support and guidance of some
people. My efforts have borne fruit because of their help and I would like to express my gratitude towards
them for the same. First of all, I thank God for blessing me and also my parents and all my family
members for always being by my side.
I express my sincere thanks to my Major Advisor, Dr. Y.P. Sachdeva, Professor, School of Business
Studies, for his dexterous guidance, inspiration, sustained encouragement, keen interest and precious time
given to me during the course of research project and in successful completion of the manuscript. I
consider myself fortunate to have an opportunity to work with him.
I express my deep appreciation to Dr. Sandeep Kapur, Professor and director, School of Business
Studies, PAU, Ludhiana for his continuous support and guidance.
It is my prerogative to express my sincere thanks and gratitude to the other members of my advisory
committee Dr. L.M. Kathuria, Associate Professor School of Business Studies, Dr. Baljinder Kaur
Sidana , Assistant Economics (Q.M) Department of Economics & Sociology, Dr. Mohit Gupta ,
Assistant Professor School of Business Studies.
I express my sincere thanks to all other faculty members of School of Business Studies for providing
necessary facilities during the tenure of my studies.
I am also extremely indebted to the staff of ICICI Bank, who allowed me to collect the information
required for this project and also co- operated with me in completing this research work.

Dated:
Place:

Pragya Jain

Title

: STUDY OF PRODUCTIVITY & PROFITABILITY OF

SELECTED BANK IN PUNJAB

Name of the Student

: Pragya Jain

Admission No.

: L-2013-BS-34-MBA

Major Subject

: Financial Management

Minor Subject

: Economics

Name and Designation

: Dr. Y.P. Sachdeva

of Major Advisor

Professor
School of Business Studies

Degree to be Awarded

: M.B.A.

Year of award of Degree

: 2015

Total Pages

: 51

Name of University

: Punjab Agricultural University,

Ludhiana-141004, Punjab

ABSTRACT
Banks are considered as the backbone of any economy. Productivity and Profitability of banks enhances
the economic health of the country. After Liberalization, Privatization and Globalization of Indian
economy, there is paradigm shift in entire country. The waves has also affected banking sector in positive
way. The present study is an attempt to evaluate the productivity and profitability of ICICI. ICICI is
holding top positions in private sector banks in India. To calculate productivity and profitability, ratio
analysis technique is used. The study tries to find out the different productivity and profitability of ICICI

Bank. The result of the study shows that profitability of the ICICI Bank. Earlier studies conducted on
comparison between public and private sector banks conclude that public sector banks are lagging far
behind private sector banks in the terms of both productivity and profitability (Makkar & Singh, 2012).,
but this study concludes that public sector banks are coming up with high productivity and low
profitability when compared with private sector banks. To increase profitability banks should embrace to
adopt new technology to compete with other Banks and also to successful survive in the market.
Keywords: Productivity, Profitability, ICICI Bank

Signature of Major Advisor

Signature of Student.

CONTENTS
Chapter

Topic

I.

INTRODUCTION

II.

REVIEW OF LITERATURE

III.

RESEARCH METHODOLOGY

IV.

RESULTS AND DISCUSSION

V.

SUMMARY
REFERENCES
VITA

Page